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Universal Mortgage is a long-term loan secured with real estate. It may be used for any long-term objective.
Available credit limit may even allow consolidation of other short-term loans and improvement of your financial conditions.

Interest rate 13.50% in GEL / 10% in USD / 8% in EUR
Effective interest rate From 14.89% in GEL / From 11.75% in USD / From 9.54% in EUR
Minimum loan amount GEL 1,000
Maximum loan amount GEL 500,000 or equivalent in other currency
Loan term 10 years
Loan currency GEL, USD, EUR
Upfront commission fee 1% (min. GEL 100)
Pre-payed fee 0% - 2%
Insurance Real estate (0.3%)
Downpayment Not required
Special note Loans up to GEL 200,000 are issued in national currency
  • Low interest rate
  • No contribution required
  • Long-term repayment schedule available
  • No limitations in regard with loan designation
  • Georgian citizenship document/ residence permit
  • Income certificate (if not received at VTB Bank (Georgia))
  • Registry Statement pertaining real estate

Loan collateral:

  • Real estate

NB:
Real Estate belonging to both Borrower or any third party is acceptable as a collateral.

  • Minimum monthly income requirement for participants of VTB Bank (Georgia) Payroll Programme - from GEL 100; for other individuals - from GEL 300
  • Acceptable forms of income: salary, rent, dividend
  • Work experience for participants of VTB Bank (Georgia) Payroll Programme - 3 months; for clients of other banks - 6 months (income certificate)
  • Respective income shall be received via bank account opened with any bank operating in Georgia
  • Age: 20-70 years (at the end of loan term)

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